Multisig.
Collaborative custody, compared.

Section 1 · What multisig is

Standard Bitcoin wallets use single-signature (singlesig): one private key signs every transaction. Lose that key (or the seed phrase that produces it), lose the Bitcoin.

Multisig requires a configurable threshold of multiple keys to sign. The most common configuration is 2-of-3: three keys exist, any two can sign.

Why it matters

• Lose one key, the funds are still recoverable with the other two.
• One key getting stolen does not let an attacker move funds.
• Geographic distribution (different cities or countries) protects against local disasters.
• Inheritance becomes easier: family members hold backup keys without having full custody during your lifetime.

Section 2 · Casa

2-of-3 or 3-of-5 multisig. Casa holds one key. The other keys live on your devices and hardware wallets. If you lose a key, Casa helps recover.

• Trade-off: Casa has one of your keys. They cannot move funds alone (they are one of N), but they are a counterparty.
• Best for: people who want multisig without full technical setup.
• Subscription-based pricing.

verify×DON'T TRUST, VERIFYClaim: Casa offers 2-of-3 and 3-of-5 multisig with one Casa-held key.Verify at: keys.casa ↗Plans, pricing, and key-distribution details change. Confirm before subscribing.

Section 3 · Unchained

2-of-3 multisig. Unchained holds one key in a collaborative model. More institutional-grade than Casa.

• Offers IRA products with Bitcoin in multisig custody (a unique product in the US retirement-account market).
• Concierge onboarding.
• Higher minimum balances and pricing tier than Casa for premium services.

verify×DON'T TRUST, VERIFYClaim: Unchained offers 2-of-3 collaborative custody and Bitcoin IRA products.Verify at: unchained.com ↗Verify current product lineup and IRA terms before opening an account.

Section 4 · Nunchuk

Software for self-managed multisig. No third-party key holders.

• You manage all keys across hardware wallets and mobile devices.
• Most sovereign approach. Most complex.
• Mobile-first interface; desktop also available.
• Optional collaborative coordination layer (Nunchuk Premier) for shared multisigs across family or business partners.

verify×DON'T TRUST, VERIFYClaim: Nunchuk supports self-managed multisig with no third-party key holders by default.Verify at: nunchuk.io ↗Open-source. Codebase is on GitHub.

Section 5 · Liana

Open-source multisig with timelocked recovery.

• A backup key can move funds if the primary key is not used for a defined period.
• This creates a recovery path without a third party.
• Useful for inheritance or for protecting against your own key-management mistakes.
• More technical setup. Built by Wizardsardine.

verify×DON'T TRUST, VERIFYClaim: Liana supports timelocked multisig recovery without a third-party custodian.Verify at: github.com/wizardsardine/liana ↗Open-source. Source available on GitHub.

Section 6 · Sparrow Wallet DIY

Create your own multisig using Sparrow Wallet with multiple hardware wallets.

• Most sovereign. Most complex.
• You hold all keys.
• Requires technical comfort with multisig coordination.
• Free (only the cost of hardware wallets).
• Sparrow's documentation walks through the exact setup with 2-of-3 examples.

For the deeper technical walk-through, see Multisig Deep Dive.